Quote:
Originally Posted by hcv123
That your Sports cards/collectibles are fully covered (at cost or replacement value?) and make sure their value is within the policy limit(s). I have heard a couple of nightmare stories regarding homeowners coverage and riders.
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For the most part. There are some things that have no known value, things that are rare and have no sales history besides what I paid for them. I guess I do not even count those types of things. And of course, the entire idea of having insurance is more of a feel good type of thing than anything else. There is no shortage of stories out there of insurance companies not honoring policies. Unfortunately, there is no garaunteed insurance method of anything.
Anyways, I think that if I were ever have to call in that policy, I probably would not bother trying to replace anything and just kind of start over into something new.